The latest earnings from Oscar Health and GoodRx show both companies dealing with a changing customer base. Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required. “We have one platform, we have one data set,” Bertolini told analysts. Among the company’s AI tools is “Oswal,” an AI agent designed to guide members through the healthcare system by analyzing clinical history and claims data to recommend high-quality, lower-cost providers. Beyond technology, Oscar is banking on a fundamental shift in consumer behavior.